LOS ANGELES (CBS.MW) -- Welcome back. You took the personality test, you know your four-letter code, and you discovered you're one of the four Freelance Creators, the Sensor-Perceivers (S-P).

Freelancers make up 40 percent of the population and include Entrepreneur-Promoters, Entertainer-Performers, Master Craftsmen, and Director-Composers. You'll find a profile describing each of the four below. Read all four personality profiles, you may uncover some hidden dimensions of your own therein.

Entrepreneurs and promoters (ESTP)

This group doesn't think like the rest of us. They have to become millionaires on their own terms whether in real estate development, growing a business, or product marketing. They must prove something to the world and don't like working for other people because it gets in the way of getting really rich.

Entrepreneurs get bored easily, live for the moment and want immediate results. They have uncanny people skills that make them masters at manipulating, negotiating and charming people. Rules are made for other people, and made to be broken if they get in the way of their plans.

When it comes to mundane activities like saving and investing for retirement, the Entrepreneur will ignore the conventional wisdom and plow profits back into their business, relying on their tax accountants and attorneys to minimize the impact so they can keep the big prize for themselves.

Entertainers and performers (ESFP)

Many entertainers and performers find the spotlight working in normal jobs as salespeople, schoolteachers, real estate agents and tour guides. Deep in their hearts, every one has a story, joke, impersonation, pep-talk, skit or song to share. They're often in cyclical, feast-or-famine positions much like the entrepreneurs and promoters. Different motivations, but equally unpredictable results.

Most entertainer types could use a rock-solid, experienced financial adviser they absolutely trust to handle their money, control expenses, encourage savings and invest in IRAs. Making money is not their prime focus in life, performing is.

For example, the adviser might set up a wholly owned loan-out corporation to take in contractual income, pay the entertainer a salary and retain the rest in the corporation to take care of taxes, retirement savings and investments. This helps even out erratic bursts of income.

The Master Craftsman (ISTP)

America loves heroes and many craftsmen fit the mold. They are rugged action-oriented individuals, with strong egos, often in careers that involve extreme danger. They need to take risks, testing themselves at peak performance. The action makes them feel alive,. And they are the sole judge of their performance, not some outside authority.

As experts in their craft, the world beats a path to their door. They are money-making machines destined to become millionaires in their chosen fields, as surgeons, steelworkers, special forces, police officers, firemen, rodeo cowboys, race car drivers, machinery operators or skilled tradesmen.

Although Craftsmen work best as freelancers, many work for institutions with retirement programs; hospitals, governments, trade unions, and the military. But either way they are focused and responsible in financial affairs, doing whatever it takes in budgeting, saving and investing to assure a millionaire retirement.

Still, Craftsmen may tend to be more interested in perfecting their craft than in making money, so my advice is work with a financial adviser to help manage your financial affairs, so you are free to become a millionaire doing what you most love.

Directors and composers (ISFP)

"All the world's a stage," said Shakespeare, "and all the men and women merely players." For directors and composers, the stage is deep in their minds -- they are the ultimate creators.

Becoming a millionaire isn't the main life goal of these personalities, they must create. It is their obsession! They sense there's a mysterious creative force operating within their brains, driving them, controlling the production, whether they work in the entertainment world, or as more often happens, somewhere in the business world contributing their creative talents, in advertising, marketing, graphic design or some other area of creativity.

Their creations may be opera or rap, film or a novel. Or a marketing plan, maybe a product prototype, a new operating system, or any other creative venture.

Directors and composers who follow their inner voice know they are rich in spirit, with an excellent shot at becoming a millionaire. However, many career and business opportunities tend to be entrepreneurial in nature, forcing them to live project-to-project, where savings and retirement plans are a matter of personal initiative and, therefore, easily deferred when competing with more immediate or long overdue needs.

Since these creative personalities are more interested in the "business" of creating than the business of making money, they would be well-advised to bring in spouses and financial advisers early in life to guide them, people who can manage budgets, spending, arrange financial affairs and create regular savings and retirement plans, SEP/IRAs and other tax-advantaged retirement programs. That way the Composer and the Director can better focus on what they do best, creating, doing what they love, so the money will flow in naturally, and compound to make them a millionaire at retirement.

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